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    • I'm at work now but promise to look in later. Can you confirm how you paid the first invoice?  It wasn't your fault if the signal was so poor and there was no alternative way to pay.  There must be a chance of reversing the charge with your bank.  There are no guarantees but Kev  https://find-and-update.company-information.service.gov.uk/company/09766749/officers  has never had the backbone to do court so far.  Not even in one case,  
    • OK  so you may not have outed yourself if you said "we". No matter either way you paid. Snotty letter I am surprised that they were so quick off the mark threatening Court. They usually take months to go that far. No doubt that as you paid the first one they decided to strike quickly and scare you into paying. Dear Chuckleheads  aka Alliance,  I am replying to your LOCs You may have caught me the first time but that is  the end. What a nasty organisation you are. You do realise that you now have now no reason to continue to pursue me after reading my appeal since you know that my car was not cloned. Any further pursuit will end up with a complaint to the ICO that you are breaching my GDPR.  Please confirm that you have removed my details from your records. ------------------------------------------------------------------------------------------------------------------------------------------------------------ I haven't gone for a snotty letter this time as they know that you paid for your car in another car park. So using a shot across their bows .  If it doesn't deter them and they send in the debt collectors or the Court you will then be able to get more money back from them for  breachi.ng your data protection than they will get should they win in Court-and they have no chance of that as you have paid. So go in with guns blazing and they might see sense.  Although never underestimate how stupid they are. Or greedy.
    • Thank you. Such a good point. They did issue all 3 before I paid though. I only paid one because I didn’t have proof of parking that time, only for two others.    Unfortunately no proof of my appeal as it was just submitted through a form on their website and no copy was sent to me. I only have the reply. I believe I just put something like “we made the honest mistake of using the incorrect parking area on the app” and that’s it. Thanks again for your help. 
    • They are absolute chuckleheads. You paid but because you entered a different car park site also belonging to them they are pursuing you despite them knowing what you had done. It would be very obvious to everyone, including Alliance that your car could not have been in two places at the same time. Thank you for posting the PCN so quickly making it a pity that you appealed since there are so many things wrong with it that you as keeper are not liable to pay the charge. They rarely accept appeals since that would mean they lose money but they have virtually no chance of beating you in Court. Very unlikely that they will take you to Court given the circumstances. Just in case you didn't out yourself as the driver could you please post up your appeal.
    • Jasowter I hope that common sense prevails with Iceland and the whole matter can be successfully ended. I would perhaps not have used a spell checker just to prove the dyslexia 🙂 though it may have made it more difficult to read. I noticed that you haven't uploaded the original PCN .Might not be necessary if the nes from Iceland is good. Otherwise perhaps you could get your son to do it by following the upload instructions so that we can appeal again with the extra ammunition provided by the PCN. Most of them rarely manage to get the wording right which means that you as the keeper are not liable to pay the charge-only the driver is and they do not know the name and address of the driver. So that would put you both in the clear if the PCN is non compliant.
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Hobbers vs HSBC!!


Hobbers
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Start your own new thread

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Thanks

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Hi,

I've just come across this website thanks to Google, after a friend told me how he had managed to reclaim his bank charges. I didn't even know this was possible until now and have paid hundreds of pounds in the last 6 years. Some months I was charged £150 in charges - just for going over my overdraft!! I queried this at the time, but basically got told that they were allowed to make these charges and I had to pay them! Now I know differently!!

I'm now going to use the templates from this site to see what I can claim back. I've just bought the envelope labels to show the bank I'm serious!! First thing will be to send them the Subject Access Request letter this week. I'll let you know what happens from there!!

Wish me luck!!

:-)

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Hi,

 

Wish me luck!!

:-)

 

Good luck and you know where we all are!!:D

;) Boobaby

Please hit the scales if you think I've helped!

Please note that advice given is purely my opinion and should be treated as such.

FAQ’s

http://www.consumeractiongroup.c o.uk/forum/faqs-please-read-these/

HSBC Claim - August 2006 £2,700 paid November 2006

Halifax Claim - August 2006 £4,100 paid December 2006

GE Capital - August 2006 - settled

Log Book Loans - August 2007 - sorted

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Hi Hobbers

Good to see your new thread.

Best advise is take 3 days and have a good read around the site.

The Q&A hold alot of info, its vital you know the steps that you will take and how far your case can go and that it could go to court.

 

The results are still coming in and money is still being handed back. So the best of luck kicking some bank butt.:D

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Hi Hobbers,

 

Just to let you know that is lots of support here on the site - read the FAQ first as already suggested.

 

Just to give you an idea of time scales... I first requested my data back in July and it is only now that I am seeing light at the end of the tunnel - but ti will be worth it in the long run.

My advise if free and is worth exactly as much as you paid for it….

 

HSBC 28 Oct 2006 Personal accounts ~ Offered and accepted ~ £3514 :)

HSBC 15 Sep 2006 Business ~ Offered and accepted ~ £4980 :)

MBNA 7 Sep Offered and accepted £2290 - (my amount £1170 plus Compound Interest) using the "phone call method" :o

FREEWAY 28th Oct ~ offered and acepted £506 :)

TSB VISA MCOL £300 - court date 27th March 2007

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  • 2 weeks later...

Ok, I have now worked out how to view the past 6 years via my internet banking, so have calculated that HSBC have taken £700 in charges during that time. All of which appear to be for simply going over the overdraft. One month, I was only £33 overdrawn, but got charged £75 for doing so! The preliminary approach letter has now been written and one of your stickers put on the envelope! Just one question though - would it be best to send it to the general HSBC head office address, or directly to Mr David Lewis, Head of Customer Relations?

:-)

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Before I send the request for payment, I was thinking of altering the "What I require" paragraph to the following, to reinforce my claim:

 

"I calculate that you have taken £700 in charges over the last six years, which I am asking you to refund to me. You have also taken a further £75.07 in interest, which I believe more than covers the costs to which you have been put during this time. I am therefore only asking for the £700 in charges to be refunded. I enclose a schedule of the charges which I am claiming with this letter."

I am not planning to claim for interest incurred on my charges, as it won't be that much and it is far too complicated!! Do you think the above paragraph would be OK to send, or is it confusing the matter?

Also, could someone explain when/why this 8% thing kicks in??!

Thanks! :-)

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hobbers, you seem an intelligent chappie - you use that spreadsheet available up near the faqs. the advanced one with the yellow and blue columns. honestly, it's like sliced bread - and i'm not kidding. you put your charges (be sure you've read in the hsbc general stuff "which charges") on the left side and the interest charged and date on the right side and voila! it does it for you.

why let them off for anything - they don't let you off for a measly £33 overdrawn. get what they've taken - i'm sure they won't miss it. no more mr. nice guy "i'm only asking for ...." take the high road - they are wrong and you and thousands others are the little guy paying for it. i should have gone to church this morning - instead i'm ranting at you. anyway, before you decide i've lost the plot entirely i'll just say good luck and you know where we are if you need some moral support. yes, send it there or to your local bank, doesn't matter - but always send recorded delivery for £1. Also, Bong is right (as usual) don't worry about the 8% interest - that's a little further down the line when you file your claim with the court.

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Thanks Lateralus and Bong!! Your help is much appreciated. Ok, I'll take your advice and use the spreadsheet to calculate the interest and get every penny I can out of them!!! :)

I'll do as Bong says and leave out my added bit about the interest. And I'll definitely be sending it recorded delivery!

I'm getting so fed up with these big organisations ripping off their customers and providing such appalling service! I've recently had dealings with both the water and energy suppliers, due to their incompetence and lies, and won my case in both instances, having significant amounts of money refunded.

Now it's HSBC's turn!!!! :mad:

 

I'll keep you posted!!

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Update: The letter asking for my charges to be refunded has been sent today, recorded delivery, along with the schedule, and Consumer Action Group sticker firmly fixed to the front of the envelope so they cannot miss it!!

I'll let you all know if/when I get a reply.

:-)

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  • 3 weeks later...

Update: Well, the letter was sent, with schedule, but no response has been received. It has now been 16 days since it arrived at their Head Office. Would you suggest I wait a bit longer, or send another letter?

:mad:

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  • 4 weeks later...

Right, well despite having sent 2 letter before actions (1 to their Head Office and 1 to the Customer Service Centre), I still have not had a response. That was almost 2 weeks ago. What should I do now? I've not had a response to any letters I've sent since I started this in October!! Has anyone else had this problem??

:mad:

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RESULT!!! I actually had a letter yesterday from HSBC offering £625 of the £700 bank charges being claimed. They gave the usual response that if it went to court they think they would successfully defend the claim, etc, and that the offer is a gesture of good will because it would cost them more in management time, etc. Although it is not the full amount, I have chosen to accept the offer, having read other threads where people have declined and then HSBC have removed the entire offer altogether. As it is so close to what I was claiming for, I have chosen to accept.

 

My thanks go out to everyone who has helped me with this, and to the Consumer Action Group for helping me stick up for my consumer rights.

 

:-)

 

Incidentally, I also received a letter from Hoover on the same day with a pleasing result. I bought a Hoover vacuum cleaner 6 months ago which turned out to be faulty. To cut a long story short, the Hoover engineer confirmed it was a design fault and he had dealt with over 100 similar cases. Clearly Hoover had not carried out sufficient tests, etc, before selling this machine. Therefore, I registered an official complaint with them, threatening further action and stating that I was backed by the Consumer Action Group. After several letters and turning down their initial offers, they have finally offered me a full refund for the Hoover at £99, plus £150 in compensation!

 

The CAG is obviously a powerful name, so thank you!

(Not sure if the Hoover case is of any use to anyone, as I've not registered it as a thread anywhere else?)

 

Thanks again to everyone!

 

Merry Christmas!

Paul

:)

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